You will want to invest in eyelash technician insurance. This will protect your business if a customer sustains injuries from a product you bought from the cosmetologist. Moreover, the landlord will ask for proof of insurance if you plan to work as a salon booth renter. And if you offer microblading services, your eyelash technician insurance can cover medical treatments if the client sustains a cut during the session.
This article will cover standard insurance policies you want to consider adding to your eyelash technician business insurance program. Keep reading until the end to see our reviews of some top insurers offering these policies.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $500,000/$1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | No |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
Your eyelash extension insurance policy will offer liability coverage for clients and the general public. You can add general liability insurance to protect your eyelash business against the costs of third-party liabilities. This policy helps you defend your business against personal injuries, property damage, and bodily injury claims.
Tools and equipment–Adds protection for any tools you use in your eyelash shop
Excess liability–Extends your general liability policy's existing eyelash technician coverage limits
Insurance for eyelash extension business will typically have between $1 and $2 million in coverage for general liability insurance.
Public liability insurance for eyelash technicians is similar to general liability insurance but is narrower in scope. A general liability policy covers a range of third-party liabilities. Public liability insurance focuses on bodily injury and property damage and members of the public.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
Eyelash extension liability insurance can save your business from the costly lawsuit of a disgruntled client. One way to protect yourself from lawsuits is professional indemnity insurance.
Professional indemnity covers your business when it makes a mistake or oversight that causes a customer financial loss. It also covers you in cases of negligence, scheduling mistakes, and many other professional business errors.
Prior act–Protects your eyelash extension business from any acts that happened before your professional indemnity policy became active
Media liability–Helps protect your business from the consequences of any published information over media platforms like social media or a blog
Your eyelash technician's professional indemnity coverage limit will be around $1 million.
The cost of your professional indemnity policy will vary based on the size of your business, the risk of your business, and other factors. The average eyelash technician business might pay $61 monthly for professional indemnity coverage.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Eyelash extension technician insurance will also need to protect your property damage costs. With commercial property coverage, you can insulate your business from the costs of damage to your business building and other commercial property.
Outdoor signs–This add-on includes signs you might use to advertise your eyelash business to your commercial property coverage
Earthquake protection–This insurance lets you include the typically excluded earthquake causes of property damage
A standard commercial property coverage limit for eyelash technicians will be around $50,000 for the building and $50,000 for the covered business property.
Your eyelash extension insurance cost will be approximately $63 per month to cover property damage. However, this number will highly depend on the value of your property and how much coverage your policy needs.
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy can be part of the best insurance for eyelash extensions businesses. It is one of the best policies because it combines general liability and commercial property insurance protection. Many policies include business interruption insurance protection also.
Your eyelash technician's office gets vandalized with graffiti
Someone wanders into your business and slips on a wet floor
Cyber liability–Protects your eyelash shop from financial losses resulting from data breaches of your customers and cyber attacks
Workers comp–This policy protects your eyelash store workers from the costs of injuries, illnesses, and disabilities while on the job
An eyelash technician BOP will cover $1 million in general liability and $20,000 and $50,000 in property damage.
Typically no. A typical business owner’s policy will exclude coverage to damage from your commercial vehicles. You will need a commercial auto insurance policy to protect your business from vehicle damage and liability costs.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment is a policy for your eyelash extension business insurance that protects portable business equipment. It can protect your business equipment even when not used on your premises.
Flood damage–Helps protect eyelash tools that flood waters may damage
Equipment breakdown–Protects your eyelash equipment and other movable tools from breaks that result from internal forces
Tools and equipment insurance for eyelash technicians limits will help you cover movable equipment between $5,000 and $20,000.
No. If your employee causes intentional damage to tools or equipment, that will not be covered. You will need an employee dishonesty insurance policy to cover damage inflicted on your business by these employee acts.
Tailored insurance for eyelash technicians must cover your business vehicles. Commercial auto insurance allows you to protect vehicles your business owns when used for business purposes. The common coverages of commercial auto insurance are listed below.
Auto-liability–Takes care of third party medical costs if your commercial vehicle causes an accident
Collision–This coverage will protect your eyelash business vehicles from vehicle damage from road collisions
Comprehensive–Provides coverage for physical damage events besides road accidents
Rental coverage–Helps reimburse your eyelash technicians business when you need to pay for a rental car because the one you usually use is out of commission
Underinsured/uninsured motorist–This add-on helps compensate for another motorist lacking sufficient coverage for reimbursing you for vehicle accidents they are at fault for
A typical commercial auto insurance coverage limit for eyelash technicians will allow you to get $500,000 or more in coverage.
No. In some cases, personal auto insurance only covers personal uses of your vehicle or commutes to work. A personal auto insurance policy will not typically cover any actions your vehicles perform for business-related purposes.
Excess liability is an insurance that lets you fortify or extend the coverage of an underlying insurance policy you have already created.
Excess liability insurance coverage limits will vary depending on the insurer's financial strength. Some insurers allow you to purchase up to $25 million or more in excess liability.
You should consider excess liability insurance if you face frequent liability risks that drain your policy limits. For example, if your eyelash shop gets a lot of foot traffic, consider this policy since the odds of a catastrophic incident increase the more your business is exposed to the public.
You can purchase workers' compensation to protect workers from costs related to injuries and illnesses they sustain while working. This policy pays medical benefits and helps your workers substitute lost income due to being out of commission from an injury.
Yes. Most workers comp policies will protect you from employee lawsuits related to workplace injuries. This policy will protect you from attorney’s fees, court costs, and any legal judgments or out-of-court settlements.
Most states allow you to buy workers' compensation from a private insurer. However, some states are known as monopolistic states. These states require employers to buy coverage directly from the government. Ohio, Washington, North Dakota, and Wyoming are the four monopolistic states.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $30 | $360 | $0-$500 |
| Professional liability insurance | $50 | $600 | $1,000-$2,000 |
| Commercial property insurance | $72 | $864 | $1,000-$2,000 |
| Business owner's policy | $81 | $972 | $1,500 |
| Tools and equipment insurance | $34 | $408 | $500-$1,000 |
| Commercial auto insurance | $42 | $504 | $500-$1,000 |
| Workers compensation insurance | $84 | $1,008 | $2,500-$5,000 |
The average eyelash technician insurance cost is $30 per month or $360 per year for a $1 million general liability policy. Some factors that affect premiums are claims history, business history, policy limits, deductibles, number of employees, location, and annual revenues. Here’s a table showing the cost of a $1 million general liability policy from the best eyelash technician insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $14 | $168 | Best overall; Fastest general liability insurance for eyelash technicians |
| The Hartford | $16 | $192 | Workers compensation insurance for eyelash technicians |
| CoverWallet | $18 | $216 | Comparing eyelash technician insurance quotes online |
| Tivly | $20 | $240 | Comparing eyelash technician insurance quotes over the phone |
| Thimble | $23 | $276 | Freedom to set your policy options |
| Hiscox | $26 | $312 | Customizable policies with help from insurance experts |
Get all the best quotes from leading providers in a click of a button!
This next section will outline the best eyelash technician insurance companies. Please read through our reviews so you can make an informed choice for your eyelash technician insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for eyelash technicians
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT has many different coverages that provide beauty insurance for your eyelash technicians. Customers report that their claims process is quick and has many excellent options like general liability, workers comp, commercial auto, and tools and equipment insurance. Get your policy buying process done quickly with quotes delivered in 10 minutes.
Best for: Best overall; Fastest general liability insurance for eyelash technicians
Average cost: $14 per month
Our rating: 10/10
Longstanding insurer founded in 1810
An excellent mobile app that is helpful for first-time buyers
Offers multinational coverage for some policies
Some customers report seeing fewer discounts offered than other insurers
The Hartford helps your eyelash technician and esthetician business with coverage against accidents, bodily injuries, and damage to your business property. The company is well established, writing policies for over 200 years in the insurance industry. The Hartford has an A- AM Best rating and an A+ from the Better Business Bureau.
Best for: Workers compensation insurance for eyelash technicians
Average cost: $16 per month
Our rating: 10/10
Manage multiple policies at once from different partners
10+ top partners to choose from
Compare quotes online
Not an insurance company but an insurance broker
CoverWallet offers an online insurance buying experience where you get connected with multiple insurers. You can choose policies from top choices like Progressive, Hiscox, Travelers, and Markel. CoverWallet is a cloud-based insurance platform that can be your one-stop shop for eyelash technician insurance needs.
Best for: Comparing eyelash technician insurance quotes online
Average cost: $18 per month
Our rating: 10/10
Quick phone answer rate
Update your policy without hidden fees
Over 200 different insurers to select your eyelash technician policy from
Allows you to get quotes from multiple insurers easily.
Doesn’t have a mobile app
Tivly boasts 200 different insurance partners to choose from. This company takes you to the insurance company that matches your needs and budget. Tivly has an A rating from the Better Business Bureau. Call now to compare quotes over the phone.
Best for: Comparing eyelash technician insurance quotes over the phone
Average cost: $20 per month
Our rating: 10/10
75% of customers are first-time buyers
One of the best apps for insurance policies
First-time buyers have an easy time thanks to the insurance glossary
Customers report that sometimes customer service call wait times can be long
Thimble allows you to customize your beauty business insurance policy to your heart's content. You can set your policy to the month, day, and hour. With Thimble, you can choose between general liability, business equipment, and commercial property insurance policies. The Better Business Bureau gave Thimble an A+ score.
Best for: Freedom to set your policy options
Average cost: $23 per month
Our rating: 10/10
Platinum trusted service award from review site Feefo
Lets you refund policies you are unhappy with within 14 days
Tailored insurance that specializes in risks in your industry
Their business owner’s policy only covers 43 states
If you choose to shop with Hiscox, you will likely be impressed with their policies' customization and attention to detail. You can create unique policies tailored to your eyelash technician and beauty business needs. Hiscox has an A rating from AM Best and operates in 14 countries. The Hiscox Group that owns Hiscox has over 3,000 employees.
Best for: Customizable policies with help from insurance experts
Average cost: $26 per month
Our rating: 10/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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